Astute Planning Services Pty Ltd Trading as Signature Wealth ABN 71 097 704 731 (“SIGNATUREWEALTH”) is an authorised representative of Financial Wisdom Limited ABN 70 006 646 108, AFSL 231138 (“Financial Wisdom”). Financial Wisdom is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia.
Acceptance and changes to terms and conditions
Your access to the SIGNATUREWEALTH website (“the Website”) is subject to:
Your use of the Website constitutes your agreement to these Terms of Use. These are the current terms and conditions. They replace any other terms and conditions for the Website previously published on the Website. SIGNATUREWEALTH may at any time vary these terms and conditions by publishing the varied terms and conditions on the Website. You accept that by doing this, SIGNATUREWEALTH has provided you with sufficient notice of the variation. SIGNATUREWEALTH reserves any rights not expressly granted in these terms and conditions. Similarly, Commonwealth Bank of Australia may at any time vary the Group Privacy Policy by publishing the varied policy on its website. You accept that by doing this, Commonwealth Bank of Australia has provided you with sufficient notice of the variation.
Access for persons from Australia only
The authorised representative may only carry on business on behalf of Financial Wisdom in Australia. Financial Wisdom is not authorised to carry on business in any jurisdiction other than Australia. As a consequence, SIGNATUREWEALTH is only authorised to provide financial advice and services in Australia. Accordingly, the information on the Website is directed to and available for Australian residents only.
General information only
Great care needs to be taken that only factual information or general advice is provided on the Website. The authorised representative must not provide personal advice. In section 766B of the Corporations Act, personal advice is described as “financial product advice that is given or directed to a person (including by electronic means) in circumstances where (a) the provider of the advice has considered one or more of the person's objectives, financial situation and needs or (b) a reasonable person might expect the provider to have considered one or more of those matters”. The information on the Website is of a general nature only and has been prepared without taking into account your, or any other investor’s, particular financial needs, circumstances and objectives. The information on the Website should not be construed as financial, taxation or legal advice. SIGNATUREWEALTH recommends that you consult a financial adviser for advice that addresses your specific needs and situation before making investment decisions.
Accuracy of information, Website performance and limitation of liability
The authorised representative might include a disclaimer on the accuracy of any information provided on the Website and include a limitation on any liability that might arise. SIGNATUREWEALTH does not warrant the accuracy, completeness or currency of information made available through the Website.
SIGNATUREWEALTH makes no warranty that the use or operation of the Website will be uninterrupted or error-free or that the Website is suitable for any particular purpose or has any performance, functionality or security features except as SIGNATUREWEALTH is required to provide by law.
To the extent permitted by law, neither SIGNATUREWEALTH nor Financial Wisdom and their respective employees, agents and authorised representatives will not be liable for or in connection with any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information on the Website whether or not caused by any negligent act or omission in information made available through the Website. However, SIGNATUREWEALTH will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.
Links to other websites
The authorised representative may have links to third party websites and consequently, may choose to disclaim those websites since the representative has no control over the content and accuracy of those websites. The Website may have links to other websites, which are operated by third parties. These links are provided for your convenience and neither SIGNATUREWEALTH nor Financial Wisdom endorses or approves the information, graphics and materials that may be contained on those websites.
Furthermore, neither SIGNATUREWEALTH nor Financial Wisdom make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information, graphics or materials. If you obtain goods or services from these third parties then it is at your own risk. You indemnify SIGNATUREWEALTH and Financial Wisdom against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in the Website.
SIGNATUREWEALTH recommends that you do not act on the information contained within these websites without obtaining financial advice.
Jurisdiction
It is quite common to include a jurisdiction clause which says in which court any disputes will be held. For authorised representatives this may not be necessary as it is likely any client complaints will be raised in the state where both the client and the authorised representative reside. Users of the Website understand and agree that all disputes will be governed by and construed in accordance with the laws of the state in which SIGNATUREWEALTH has its registered office, and all users and SIGNATUREWEALTH submit to the non-exclusive jurisdiction of the courts of that state.
Acceptance and changes to terms and conditions
Your access to the SIGNATUREWEALTH website (“the Website”) is subject to:
- These terms and conditions; and
- Because of SIGNATUREWEALTH’s relationship with Financial Wisdom, use of the Website is also subject to the Commonwealth Bank of Australia’s Group Privacy Policy,
Your use of the Website constitutes your agreement to these Terms of Use. These are the current terms and conditions. They replace any other terms and conditions for the Website previously published on the Website. SIGNATUREWEALTH may at any time vary these terms and conditions by publishing the varied terms and conditions on the Website. You accept that by doing this, SIGNATUREWEALTH has provided you with sufficient notice of the variation. SIGNATUREWEALTH reserves any rights not expressly granted in these terms and conditions. Similarly, Commonwealth Bank of Australia may at any time vary the Group Privacy Policy by publishing the varied policy on its website. You accept that by doing this, Commonwealth Bank of Australia has provided you with sufficient notice of the variation.
Access for persons from Australia only
The authorised representative may only carry on business on behalf of Financial Wisdom in Australia. Financial Wisdom is not authorised to carry on business in any jurisdiction other than Australia. As a consequence, SIGNATUREWEALTH is only authorised to provide financial advice and services in Australia. Accordingly, the information on the Website is directed to and available for Australian residents only.
General information only
Great care needs to be taken that only factual information or general advice is provided on the Website. The authorised representative must not provide personal advice. In section 766B of the Corporations Act, personal advice is described as “financial product advice that is given or directed to a person (including by electronic means) in circumstances where (a) the provider of the advice has considered one or more of the person's objectives, financial situation and needs or (b) a reasonable person might expect the provider to have considered one or more of those matters”. The information on the Website is of a general nature only and has been prepared without taking into account your, or any other investor’s, particular financial needs, circumstances and objectives. The information on the Website should not be construed as financial, taxation or legal advice. SIGNATUREWEALTH recommends that you consult a financial adviser for advice that addresses your specific needs and situation before making investment decisions.
Accuracy of information, Website performance and limitation of liability
The authorised representative might include a disclaimer on the accuracy of any information provided on the Website and include a limitation on any liability that might arise. SIGNATUREWEALTH does not warrant the accuracy, completeness or currency of information made available through the Website.
SIGNATUREWEALTH makes no warranty that the use or operation of the Website will be uninterrupted or error-free or that the Website is suitable for any particular purpose or has any performance, functionality or security features except as SIGNATUREWEALTH is required to provide by law.
To the extent permitted by law, neither SIGNATUREWEALTH nor Financial Wisdom and their respective employees, agents and authorised representatives will not be liable for or in connection with any loss or damage (including indirect, special or consequential loss or damage) arising from the use of, or reliance on, any information on the Website whether or not caused by any negligent act or omission in information made available through the Website. However, SIGNATUREWEALTH will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.
Links to other websites
The authorised representative may have links to third party websites and consequently, may choose to disclaim those websites since the representative has no control over the content and accuracy of those websites. The Website may have links to other websites, which are operated by third parties. These links are provided for your convenience and neither SIGNATUREWEALTH nor Financial Wisdom endorses or approves the information, graphics and materials that may be contained on those websites.
Furthermore, neither SIGNATUREWEALTH nor Financial Wisdom make any warranties or representations regarding the accuracy, quality or timeliness of such third-party information, graphics or materials. If you obtain goods or services from these third parties then it is at your own risk. You indemnify SIGNATUREWEALTH and Financial Wisdom against all liability, loss, damage, cost and expense arising from or relating to your obtaining goods or services from a third party referred to in the Website.
SIGNATUREWEALTH recommends that you do not act on the information contained within these websites without obtaining financial advice.
Jurisdiction
It is quite common to include a jurisdiction clause which says in which court any disputes will be held. For authorised representatives this may not be necessary as it is likely any client complaints will be raised in the state where both the client and the authorised representative reside. Users of the Website understand and agree that all disputes will be governed by and construed in accordance with the laws of the state in which SIGNATUREWEALTH has its registered office, and all users and SIGNATUREWEALTH submit to the non-exclusive jurisdiction of the courts of that state.